_____- If you are going to stay where you are look into fire/burglar protection. They have all sorts of extras nowadays and you do not have to advertise them or for them.

_____- Get identity theft protection. There are several companies out there –check them out, ask for preferences from those who have it.

_____- Reduce and remove debt. Stay on top of your credit report. I don’t believe in paying these outfits to check regularly. An identity theft protection company should be able to tell you if someone accesses it or affects it –Life Lock.

_____Remember –once out your phone & mail will be swamped with requests for money and offers. Friends and relatives you never knew you had will show up at your door with a problem. You will get swamped with charity membership renewals, calendars, cards, tokens, key rings, etc. all with donations in mind. Giving comes from the heart..

_____Make sure taxes are paid and be aware of future tax liabilities incurred from your investments.

_____For information on what to go with, invest with, work with, be diligent. Check it out. Ask those who also have wealth.

_____Never, ever make a major decision on the spot. That boat, car, house, etc. is not going to go away while you sleep on the decision.

_____ 1. E-MAIL SECURITY: Open a secure e-mail address. Here are some websites to check: www.cryptoheaven.com or www.hushmail.com or www.safe-mail.net. These companies charge for their services, but they are worth it. Just remember when you use such a service that that are 3 kinds of e-mail:

_____ * Un-encrypted -viewable and storable by the world (travels through the Internet).

_____ * Encrypted e-mail with password –requires that the receiver knows the password you have set to be able to read the e-mail. Travels over the Internet encrypted.

_____ * Encrypted e-mail that requires that the receiver has an account with the same secure e- mail company you are using. This e-mail never is transmitted to other e-mail servers on the Internet. Web based and often off shore. Very secure.

_____ Please note that even secure encrypted e-mail can be compromised if your computer has been infected with a Key-Logger. Consider NOD32 4.0 antivirus (www.eset.com) and Online Armor Firewall (www.tallemu.com).

_____ Please note that you must be sure that all other firewalls and antivirus software is uninstalled before you install the above anti-virus and firewall recommendations. Hope this helps.

_____ 2. HOME SECURITY:

_____ Install a security system in your house.

_____ Install high security Medco bolt locks.

_____ Consider installing a heavy-duty safe in your home or building a safe room. I plan on having a hidden safe like what is available through this company: www.hiddenpassageway.com.

_____ Install reflective film on your home windows.

_____ 3. INSURANCE:

_____ Upgrade your personal, home, auto and umbrella insurance to the highest amount they are willing to sell to you.

_____ For example: if they offer $1 million on your vehicle, get it. It can be a first line of defense in the event someone tries to sue you from an accident (even a planned accident)._____ Consider ransom insurance, too!

_____ 4. PERSONAL SECURITY:

_____ Get training in self-defense / firearms.

_____ Don’t flaunt your newly obtained wealth. Be very low-key.

_____ Be careful of your conversation in public areas where others can overhear you.

_____ Close all of your social networking accounts. If anyone asks you why you closed your Facebook, just tell them for security reasons. (my husband and I have already done this).

_____ Completely erase all personal information on the internet.

_____ Do not have your home in your personal name (you can use a trust,for example). Remember, property tax records and other records associated with your home are easily available to the public.

____ 5. IDENTITY THEFT:

____ There are many companies available to assist you with protecting yourself from identity theft, such as www.lifelock.comHow to work a bank deal post RV_____ First of all, relax. You do not have to cash out the very first day. You will have plenty of time. Make sure you are getting the best deal you can.

_____ Money talks and has considerable power. You need to walk into a bank and tell them what you expect if you choose to exchange your dinar there.

_____ You expect no fees, the highest rate possible (make sure you tell them the rates you can get elsewhere)

_____ Immediate access to your money

_____ An appointment with a private banker and

_____ An appointment with a wealth mgmt. consultant.

_____ A private or personal banker is your personal banker and they are there for you.

_____ This is your go to person for normal banking issues and transactions. They should be the only one to handle your account and you should keep their number on speed dial.

_____ Your private banker is always there for you and defers to your decisions.

_____ Make sure and feel comfortable with whom your private banker and wealth mgmt. advisor is and feel

_____ Free to ask for a new one if needed.

_____ Always ask for referrals, successful bankers do not mind providing this information.

_____ Then check on those referrals and ask questions such as...is the banker available when needed,

_____ Do they return calls in a timely manner,

_____ What is your track record with them.

_____ Do they follow your agenda or push their own?

_____ Since you are going to become very close to these people....You need to assure you have like personalities and are comfortable dealing with them.

_____ The bank we are dealing with makes additional resources available depending on your net worth.

_____ Worth (for lack of a better word) start at $250,000 in investable assets and go up from there.

_____ Obviously the more you are worth, the greater your accesses and privileges.

Privileges include such things as

_____ Investment management,

_____ Concentrated stock management

_____ Intergenerational wealth transfer strategies.

_____ Make sure they are professional and not just someone you hear about on theinternet. You’ve waited to long for this money to lose it via some internet scheme. Other things you need to ask for and expect includes...

_____ NO fees ever....

_____ NO cashier check fees,

_____ NO bank fees,

_____ NO credit card fees or Annual membership fees,

_____ Free use of a safety deposit box.

_____ You need to ask for a privileged ATM card. I am not sure what other banks call this so make sure and ask. It’s a debit card with higher daily limits or even unlimited depending onyour situation and NO FEES, even when out of network.

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